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USDA interim finance

Awaiting a loan under the USDA guaranteed program?

Get funds faster with Growth Lending

Bridge the gap between application and approval with interim finance from $2.5m to $19m. Get fast access to the capital your business needs and start your growth plans today.

We work collaboratively with your USDA lender to provide funds before the USDA has approved the guarantee. These fast and flexible funds mean that you can start your project quickly, instead of waiting several months for your approval to come through.

We support loans across the full suite of USDA guaranteed business programs including the Agriculture Innovation Center Program, the Business and Industry Guarantee (B&I) programs, the Rural Business Investment Program (RBIP), the Community Facilities Guaranteed Program and the Rural Energy for America Program (REAP).

Why choose Growth Lending for USDA interim finance?

Accelerate your growth plans

Secure funds now and get going today, without the delay of waiting for the USDA loan program

Flexible use of funds

Use the cash for the same purposes as your initial application – from acquiring another business to expansion, inventory and upgrading equipment

We work with all USDA lenders

We do not compete with your lender – we work alongside them to provide fast, interim funds that bridge the gap while you await approval from the USDA

Jeff Vernetti

General Manager

Ballparks National

“This has been a seamless process for us and we are very grateful to the professional team at Growth Lending for their support. They communicated well throughout the process and enabled our project to remain on schedule.”


How does USDA interim finance work?

Growth Lending can accelerate cash ahead of your USDA loan in two different ways:

  1. Your USDA lender has approved your loan and you are waiting for the USDA to provide a guarantee – this takes three to six months, so we provide and interim solution
  2. You do not have a USDA lender yet, but need cash to start your project (property purchase, machine equipment) – in this instance we work with a USDA approved lender and offer interim finance until the USDA provides a guarantee

Speak to a member of our USDA interim finance team for more information:

Or submit an enquiry

Ready to get growth going? Let’s see how we can support you.



Start projects sooner with capital that bridges the gap between USDA application and approval



Get complete visibility of your funding timeline, so you stay in the driving seat



Receive funds quickly

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How much would you like to borrow?

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There are a number of different guaranteed lending schemes supported by the US Department of Agriculture, both for businesses and individuals – the full list of programs can be found here.

Growth Lending supports several of the programs aimed at supporting businesses and these include:

For more information about the specific programs that we support and to find out whether your business qualifies, please get in touch with one of our lending experts.

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Most businesses that have applied for a loan under the USDA guaranteed lending program will be a good fit for USDA interim finance.

Loosely, the criteria for a USDA B&I guaranteed loan includes:

  • For profit or non-profit businesses
  • Co-operatives
  • Federally recognised tribes
  • Public bodies
  • Individuals engaged or proposing to engage in a business

If you are in the process of applying for a loan under the USDA guaranteed lending program, it is worth getting in touch with one of lending experts and finding out more about how USDA interim finance could sit alongside your application and support your growth plans.

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To apply for a loan under the USDA B&I scheme a business must be located in an eligible area, defined as:

  • Rural areas, not in a city or town, with a population of more than 50,000; or
  • Headquartered in a larger city, as long as the project is located in an eligible rural area

Eligible use of funds include, but are not limited to:

  • Purchase and development of land, buildings and associated infrastructure for commercial or industrial properties
  • Business conversion, enlargement, repair, modernization or development
  • Purchase and installation of machinery and equipment, supplies or inventory
  • Debt refinancing, when such refinancing improves cash flow and creates jobs
  • Business and industrial acquisitions, when the loan will maintain business operations and create or retain jobs

This is not an exhaustive list and you may face additional requirements specific to your USDA lender. If you think you may be a good fit for a USDA loan, reach out to lending experts who will be able to advise on next steps.

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The first step is to get in touch. If you think USDA interim finance would be a good fit for your business, you can reach out to a member of our expert lending team or use the form above to request a chat.

We can then liaise with your existing USDA lender and obtain the relevant information we need to move things forward.

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USDA B&I is a program which offers guarantees to commercial lenders, designed to support credit-worthy rural businesses obtain much-needed loans to grow their businesses. Improved access to capital for these businesses is part of the USDA’s aim of creating and retaining jobs in rural America.

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USDA REAP provides guaranteed loan financing and grant funding to agricultural producers and rural small businesses for renewable energy systems, or to make energy efficiency improvements.

Agricultural producers may also apply for loans to invest in new, energy efficient equipment and new systems for agricultural production and processing.

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